X Financial (XYF)

X Financial Balance Sheet

Financials in millions CNY. Fiscal year is January - December.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Mar 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Cash & Equivalents	1,389	984.61	1,195	602.27	584.76	746.39
Cash & Short-Term Investments	1,389	984.61	1,195	602.27	584.76	746.39
Cash Growth	-1.67%	-17.63%	98.47%	2.99%	-21.65%	-25.80%
Accounts Receivable	2,410	2,030	1,660	1,164	755.37	424.67
Other Receivables	-	-	-	15	15	-
Receivables	6,622	6,858	6,616	5,119	3,656	3,294
Prepaid Expenses	33.41	10.68	8.42	22.1	19.33	57.08
Restricted Cash	712.35	676.79	749.07	404.69	407.28	852.13
Other Current Assets	2,133	1,983	1,743	1,802	1,683	1,541
Total Current Assets	10,890	10,513	10,312	7,951	6,351	6,491
Property, Plant & Equipment	16.77	55.07	59.27	68.55	31.39	56.35
Long-Term Investments	924.92	1,012	1,102	688.61	642.88	301.62
Other Intangible Assets	36.51	36.59	36.81	36.55	36.82	37.44
Long-Term Deferred Tax Assets	188.02	197.71	135.96	88.43	274.87	605.65
Other Long-Term Assets	36.74	5.71	4.64	4.52	6.08	6.24
Total Assets	12,093	11,819	11,650	8,838	7,343	7,498
Accrued Expenses	1,329	1,145	789.72	709.91	451.86	398.25
Short-Term Debt	603.5	328.5	565	70.21	166.5	350.55
Current Portion of Leases	-	12.73	12.85	11.3	12.33	16.87
Current Income Taxes Payable	618.62	591.49	446.5	270.09	117.15	75.92
Other Current Liabilities	-	146.64	208.97	182.08	634.88	146.93
Total Current Liabilities	2,551	2,224	2,023	1,244	1,383	988.51
Long-Term Leases	19.82	27.52	37.57	51.19	12.02	27.61
Long-Term Unearned Revenue	159.57	164.72	46.6	-	-	-
Long-Term Deferred Tax Liabilities	17.6	65.96	30.04	0.72	-	-
Other Long-Term Liabilities	1,909	2,384	3,666	2,789	1,971	3,406
Total Liabilities	4,658	4,866	5,803	4,084	3,366	4,422
Common Stock	0.21	0.21	0.21	0.21	0.21	0.2
Additional Paid-In Capital	3,226	3,207	3,197	3,191	3,160	3,068
Retained Earnings	4,633	4,175	2,692	1,623	810.86	-14.55
Treasury Stock	-503.45	-509.64	-111.52	-124.6	-	-
Comprehensive Income & Other	80.09	81.05	69.48	63.6	6.31	21.06
Total Common Equity	7,435	6,953	5,847	4,753	3,977	3,075
Minority Interest	-	-	-	-	-	1.29
Shareholders' Equity	7,435	6,953	5,847	4,753	3,977	3,076
Total Liabilities & Equity	12,093	11,819	11,650	8,838	7,343	7,498
Total Debt	623.32	368.75	615.42	132.71	190.85	395.03
Net Cash (Debt)	766.14	615.86	579.93	469.56	393.91	351.36
Net Cash Growth	-18.92%	6.20%	23.50%	19.20%	12.11%	-62.76%
Net Cash Per Share	16.17	12.60	11.96	8.74	7.02	6.56
Filing Date Shares Outstanding	-	42.21	49.19	48.15	54.85	54.85
Total Common Shares Outstanding	-	41.78	48.93	47.99	54.85	53.85
Working Capital	8,339	8,288	8,289	6,707	4,968	5,502
Book Value Per Share	-	166.42	119.51	99.05	72.50	57.10
Tangible Book Value	7,399	6,917	5,810	4,717	3,940	3,037
Tangible Book Value Per Share	-	165.55	118.76	98.29	71.83	56.40
Machinery	-	33.82	26.65	26.21	23.12	26.59
Leasehold Improvements	-	27.53	24.31	23.71	22.8	21.68

Updated Apr 25, 2025. Source: S&P Global Market Intelligence. Standard template. Financial Sources.

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